Home & Mortgage Finder
Find your home.
Own your next chapter.
Home is more than an address. Let’s find a mortgage that fits your life—with clear options, useful numbers, and a plan for what comes next.
Buying · Refinancing · Exploring your options
A CLEARER WAY FORWARD
The home you want.
The guidance you need.
Buying your first home or rethinking your current loan? Start with a conversation about your goals.
Let’s talk about my next move →The market, made clearer
Mortgage rate snapshot
Dated benchmarks from your supplied page—not current lender offers.
Source date in supplied code: September 30, 2026 · Historical snapshot · Interest rates, not APRs
30-year fixed
Historical benchmark
15-year fixed
Historical benchmark
FHA 30-year
Historical benchmark
VA 30-year
Historical benchmark
Jumbo 30-year
Historical benchmark
Source identified in supplied code: Mortgage News Daily Daily Rate Index. These figures do not automatically update and are not personalized offers, APRs, rate locks, or commitments to lend. Request current pricing. Your rate and APR depend on credit, property, loan amount, down payment, points, fees, and lock period.
Know your numbers
A payment that fits your life.
Adjust the details to explore a fully amortizing fixed-rate mortgage.
ILLUSTRATIVE MONTHLY HOUSING COST
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Review my numbers with a specialist →Planning estimate only—not a loan offer or approval. HOA dues may be paid separately.
Different goals. Different paths.
Find your starting point.
Click any loan program to read what it is, the guidelines, and where lenders may require more.
Program guidelines are the starting point—not guaranteed approval. Individual lenders may impose stricter requirements, called lender overlays, such as higher credit scores, lower debt ratios, more equity, or additional reserves.
DTI means qualifying monthly debt divided by qualifying gross income. LTV means loan amount divided by underwriting property value. Reserves are eligible funds remaining after closing.
Specialty programs do not share one nationwide minimum. Confirm current rules and product availability before applying.
Flexible homebuyingConventional
Financing for eligible primary homes, second homes, and investments.
What is this loan?
A mortgage not insured or guaranteed by a government agency. Conforming programs follow Fannie Mae or Freddie Mac requirements.
Program guidelines
- Down payment: As low as 3% on eligible primary-home programs; other transactions require more.
- Credit: Fannie Mae manual underwriting generally requires 620 for fixed rates and 640 for ARMs, subject to matrix rules and exceptions. Desktop Underwriter evaluates the full credit profile without one universal minimum score. Freddie Mac rules differ.
- DTI: Fannie Mae manual underwriting generally permits 36%, or up to 45% with required credit and reserves. Desktop Underwriter permits up to 50%, subject to approval.
- Property: Eligible occupancy, units, valuation, and applicable conforming limits.
- Insurance: Mortgage insurance generally applies to purchases above 80% LTV.
Documents
Income records, assets, identification, property documents, and tax returns when required.
Discuss Conventional →Lower down payment optionsFHA
Government-insured financing for eligible primary residences.
What is this loan?
A mortgage insured by the Federal Housing Administration and provided by an approved lender.
Program guidelines
- 580 or higher: FHA permits maximum financing, generally requiring at least 3.5% down on a purchase.
- 500–579: Financing limited to 90% LTV, generally requiring at least 10% down.
- Below 500: Not eligible under the scored-borrower minimum. Separate rules apply to borrowers without a score.
- DTI: Automated and manual rules differ; higher ratios require qualifying findings or applicable compensating factors.
- Property: Generally a primary residence meeting FHA valuation and condition rules; applicable loan limits apply.
- Costs: Upfront and annual mortgage insurance apply.
Documents
Income, assets, identification, property information, and eligible gift documentation if applicable.
Discuss FHA →Eligible military borrowersVA
Home financing for eligible veterans, service members, and certain surviving spouses.
What is this loan?
A mortgage backed by the Department of Veterans Affairs through a participating lender.
Program guidelines
- Eligibility: Certificate of Eligibility and sufficient entitlement.
- Credit: VA does not set a minimum credit score. Satisfactory credit and lender approval are still required.
- Down payment: May be 0% with sufficient entitlement, acceptable valuation, and lender approval.
- DTI: 41% is a benchmark, not an absolute ceiling; higher ratios require appropriate review.
- Residual income: Requirements depend on factors including region and family size.
- Property: VA occupancy, appraisal, and minimum property requirements.
- Costs: No monthly mortgage insurance; funding fee may apply unless exempt.
Documents
COE or information to obtain it, service records when needed, income, assets, and property documents.
Discuss VA →Eligible locations & householdsUSDA
Primary-home financing in qualifying rural and suburban areas.
What is this loan?
The USDA Guaranteed Loan Program backs participating lender mortgages. USDA Direct loans are a separate program.
Program guidelines
- Down payment: Eligible transactions may receive 100% financing, subject to valuation and rules.
- Location: USDA-eligible property address.
- Income: Adjusted household income within applicable limits, generally based on 115% of area median income and household size.
- Credit: No single universal USDA minimum score; acceptable credit and repayment ability required.
- DTI: Standard benchmarks of 29% housing and 41% total debt; automated findings or permitted exceptions can affect eligibility.
- Use: Primary residence, not vacation or investment financing.
- Costs: Guarantee and annual fees may apply.
Documents
Household and qualifying income records, assets, identification, and property address.
Discuss USDA →Larger financing needsJumbo
Financing above the conforming limit applicable to your property.
What is this loan?
A mortgage exceeding the applicable conforming limit for the property's location and unit count.
Lender-specific guidelines
- Credit: Lender score matrix; no universal jumbo minimum.
- Down payment: Depends on amount, credit, occupancy, property, and maximum LTV.
- DTI: Lender-specific limits and income calculations.
- Reserves: Multiple months of housing payments may be required.
- Valuation: Additional appraisal review may apply.
Documents
Income, tax records when required, asset and reserve statements, and property information.
Discuss Jumbo →Self-employed income reviewBank statement loans
Alternative documentation for eligible business owners.
What is this loan?
A specialty program evaluating qualifying bank deposits under lender-specific self-employed income rules.
Lender-specific guidelines
- Statements: Required consecutive history determined by lender.
- Business: Self-employment duration and ownership verified.
- Income: Transfers and ineligible deposits excluded; business expenses considered.
- Credit, LTV, and DTI: Selected lender matrix applies.
- Reserves: Post-closing funds may be required.
Documents
Statements, ownership evidence, expense information, assets, and identification.
Discuss self-employed options →Match your timelineFixed-rate & ARM
Compare rate stability with adjustable-rate financing.
What is the difference?
A fixed-rate loan maintains its rate. An ARM changes according to an index, margin, adjustment schedule, and caps after any initial fixed period.
Qualification guidelines
- Underlying conventional, government, or jumbo rules apply.
- ARM qualifying rates may exceed the initial rate.
- Review initial period, index, margin, caps, and potential payment changes.
- Fannie Mae manual ARMs generally require at least 640, subject to matrix rules and exceptions.
Documents
Income, assets, property information, and applicable ARM disclosures.
Compare rate structures →Review your mortgageRate & term refinance
Explore changing your rate, term, or loan structure.
What is this refinance?
A replacement mortgage generally changing rate or term without substantial cash back.
Qualification guidelines
- Credit and DTI follow the selected program.
- Equity must fit applicable refinance LTV limits.
- Mortgage history and required seasoning apply.
- Appraisal or eligible valuation waiver when permitted.
- Cash-back limits differ by program and classification.
Documents
Mortgage and lien statements, income, assets, insurance, and property information.
Discuss refinancing →Access eligible equityCash-out refinance
Replace your mortgage and receive eligible cash proceeds.
What is this refinance?
A new loan paying off required liens and providing eligible remaining proceeds after costs.
Qualification guidelines
- Maximum LTV depends on program, occupancy, units, and lender.
- Applicable cash-out credit and income requirements.
- Ownership and mortgage seasoning may apply.
- Valuation must support the requested balance.
- Existing liens must be addressed at closing.
Documents
Loan statements, income, assets, insurance, title, and valuation information.
Explore cash-out →Home equity optionsHELOC & equity loans
Compare a credit line with a lump-sum home equity loan.
What are these options?
A HELOC is revolving home-secured credit. An equity loan generally provides a lump sum repaid on a schedule.
Lender-specific guidelines
- Lender-specific credit and DTI requirements.
- All liens plus proposed borrowing must fit combined LTV limits.
- Documented repayment ability.
- Eligible property, occupancy, valuation, and lien position.
- Draw periods, repayment periods, and rate structures vary.
Documents
Mortgage statements, income, insurance, and required asset or valuation records.
Compare equity options →Rental property financingDSCR investment loans
Financing focused on property rental income and debt payments.
What is this loan?
Debt service coverage ratio programs compare qualifying rental income with specified property debt payments.
Lender-specific guidelines
- Eligible business-purpose investment property.
- A ratio of 1.00 means qualifying rent equals the payment used in that calculation; required ratios and formulas vary.
- Lender-specific credit, LTV, and reserves.
- Long-term and short-term rental eligibility differs.
- Entity and guaranty requirements may apply.
Documents
Lease or rent analysis, appraisal, insurance, assets, and entity records when applicable.
Discuss investor financing →Build or improveConstruction & renovation
Financing for eligible building and improvement projects.
What is this financing?
Construction loans finance new builds. Renovation programs finance eligible improvements, potentially with a purchase or refinance.
Qualification guidelines
- Conventional renovation, FHA 203(k), and construction programs have different rules.
- Underlying borrower credit, income, and contribution requirements.
- Approved scope, plans, budget, and timeline.
- Acceptable builder or contractor.
- Supported completed value, inspections, and draw conditions.
Documents
Plans, contract, budget, contractor records, permits when required, and financial documents.
Discuss my project →Help with your first stepDown payment assistance
Explore eligible assistance with down payment or closing costs.
What is this assistance?
A grant, forgivable loan, deferred loan, or repayable second mortgage offered through a specific program.
Program-specific guidelines
- Applicable income and purchase price limits.
- Eligible location and property.
- First-time buyer requirements when applicable.
- Approved lender and eligible first mortgage.
- Required education, counseling, and occupancy conditions.
Documents
Income, assets, purchase agreement, mortgage records, and education certificate when required.
Check assistance options →Existing FHA & VA loansStreamline refinance
Special refinance options for existing qualifying mortgages.
What are these programs?
FHA Streamline and VA IRRRL are separate programs. IRRRL means Interest Rate Reduction Refinance Loan.
Program guidelines
- Existing FHA loan for FHA Streamline; VA loan for VA IRRRL.
- Required payment count and elapsed-time seasoning.
- Applicable borrower benefit tests.
- Program-specific payment history and occupancy rules.
- Reduced documentation may be permitted; credit-qualifying situations differ.
Documents
Existing loan details, payment history, identification, and any additional required records.
Review streamline options →Homeowners age 62+Reverse mortgage options
Evaluate home equity borrowing as part of retirement planning.
What is this loan?
A reverse mortgage provides eligible home equity borrowing. These guidelines describe FHA-insured HECMs; proprietary programs differ.
HECM guidelines
- Borrowers age 62 or older; non-borrowing spouse rules are separate.
- Sufficient equity and eligible funds to satisfy existing liens at closing.
- Principal residence and eligible property.
- HUD-approved counseling required.
- Financial assessment; property-charge set-aside may be required.
- Taxes, insurance, maintenance, and occupancy obligations continue.
Documents
Identity and age records, title, mortgage details, financial and property-charge history, and counseling certificate.
Discuss reverse mortgages →Guideline summary dated October 6, 2026. Not a complete underwriting manual or an approval decision. Confirm current guidelines and availability. References: Fannie Mae · FHA · VA · USDA · Reverse mortgages.
Make the math work
Is refinancing worth a closer look?
A lower payment is only part of the picture. Compare principal and interest, closing costs, and how long you expect to keep the loan.
This simplified comparison excludes taxes, insurance, mortgage insurance, upfront fees, and cash-out. A longer term may increase total interest even with a lower payment.
Get a refinance review →From questions to a clear plan
Your next step can be simple.
Tell us your goal.
Share where you are in your home journey and what you want to accomplish.
Review the possibilities.
Discuss eligibility, lender requirements, documentation, payments, and costs.
Move forward with a plan.
When ready, take the application and document-review steps toward a lending decision.
Not ready to apply? Start with a conversation.
Ask about payments, down payments, or your next move before choosing a loan.
Let’s explore my options →Good questions. Clear answers.
Before you take the next step.
Are these the rates I will receive?
No. They are historical figures from the supplied page, not current personalized offers. Request a quote including rate, APR, points, fees, and lock period.
Why can a lender require more than the program minimum?
Lenders may apply additional requirements called overlays. These can include higher scores, lower debt ratios, greater reserves, or additional documentation.
Does meeting a guideline guarantee approval?
No. Underwriting reviews the entire application, property, and applicable requirements.
Do I need 20% down?
Not necessarily. Eligible programs offer lower down payments, but mortgage insurance, fees, and other qualification requirements may apply.
Can I explore options if I am self-employed?
Yes. Discuss your income and available documentation. Standard or alternative programs may fit. Do not upload sensitive documents through a general inquiry form.
Do these tools affect my credit?
These calculator and option-finder scripts do not pull credit. An application may require a separate authorized credit review.
Is prequalification the same as approval?
No. Prequalification is an early assessment. Final approval remains subject to underwriting, verification, property review, and other conditions.
Let’s find your path home
Big plans start with one conversation.
Tell us a little about your goal using the form. We’ll help you understand the next steps.
- Compare options for your situation.
- Discuss your budget and estimated costs.
- Understand the documentation to prepare.
Do not include Social Security numbers, bank account numbers, or sensitive documents in this general inquiry.
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